NSX/LCB (NSX/LCB)

National Stock Exchange of Australia: NSX/LCB · AUD

A$1.00

+0.00 (0.0%)· Recorded snapshot

Market cap	3.2M
Revenue (ttm)	6.4M
Net income (ttm)	797.8K
EPS (ttm)	A$0.25
Shares out	3.2M
P/E (trailing)	4.0x
Dividend	A$0.14 (14.00%)
Volume	500
Beta	-0.02

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 6.4M
Net income (ttm): 797.8K
EPS (ttm): A$0.25
P/E (trailing): 4.0x
Market cap: 3.2M

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E4

P25 n/aP50 n/aP75 n/a

ROE18.5

P25 n/aP50 n/aP75 n/a

ROIC49.2

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All NSX/LCB indicators

Market & fundamental data

Available fields

214

Groups with data

Currency

AUD

Showing 214 of 214 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	AUD
Country	Australia
Country code	AU
Earnings date	2026-12-14
Enterprise value	AUD 1.4M
Exchange	National Stock Exchange of Australia
Financial currency	AUD
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	June
Founded	2002
Industry	Commercial Banks, not elsewhere classified
Is primary listing	Yes
ISIN number	AU0000000150
Last refreshed	2026-10-28
Market cap	AUD 3.2M
Next earnings date	2026-12-14
Price	AUD 1.00
Price currency	AUD
SIC code	6029
Stock price date	2026-10-20
Symbol	nsx/LCB
Website	https://www.bendigobank.com.au/branch/qld/community-bank-springwood

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	6.55x
Average P/E ratio (3Y)	3.17x
Average P/E ratio (5Y)	3.75x
Earnings yield	24.93%
EV/Earnings	1.7x
EV/EBIT	0.76x
EV/EBITDA	0.59x
EV/FCF	1.13x
EV/Sales	0.21x
FCF / EV yield	88.47%
FCF yield	37.53%
Graham number	2.82657
Graham upside	182.66%
Lynch fair value	AUD 4.56
Lynch upside	356.18%
P/B ratio	0.7x
P/E ratio	4.01x
P/FCF ratio	2.66x
P/OCF ratio	2.28x
P/S ratio	0.5x
Price / tangible book value	0.84x
Price/EBITDA ratio	1.55x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	28.16%
EBITDA margin	32.4%
Effective tax rate	26.04%
FCF margin	18.85%
Gross margin	100%
Operating margin	28.16%
Pretax margin	16.93%
Profit margin	12.52%
ROA	18.54%
ROA (5Y)	17.09%
ROCE	31.58%
ROE	18.53%
ROE (5Y)	19.1%
ROIC	49.16%
ROIC (5Y)	42.52%
Tax / revenue	4.41%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	15.94%
EPS growth (Q)	93.13%
EPS growth (QoQ)	-40.77%
EPS growth 10Y	25.62%
EPS growth 3Y	-4.29%
EPS growth 5Y	18.3%
FCF growth	27.78%
FCF growth (Q)	-19.49%
FCF growth (QoQ)	-52.26%
FCF growth 3Y	-3.48%
FCF growth 5Y	10.84%
Gross profit growth	5.55%
Gross profit growth (Q)	10.38%
Gross profit growth 3Y	8.8%
Gross profit growth 5Y	11.2%
Net income growth	15.94%
Net income growth (Q)	93.71%
Net income growth (QoQ)	-40.38%
Net income growth 3Y	-4.29%
Net income growth 5Y	18.3%
OCF growth	21.59%
OCF growth (Q)	18.73%
OCF growth (QoQ)	-28.29%
OCF growth 10Y	14.54%
OCF growth 3Y	1.03%
OCF growth 5Y	14.28%
Operating income growth	11.04%
Operating income growth (Q)	24.99%
Operating income growth 3Y	3.39%
Operating income growth 5Y	24.56%
Revenue growth	5.55%
Revenue growth (Q)	10.38%
Revenue growth (QoQ)	2.68%
Revenue growth 10Y	5.43%
Revenue growth 3Y	8.8%
Revenue growth 5Y	11.2%

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	AUD -205,494
Depreciation and amortization	AUD 269,820
EBIT	AUD 1.8M
EBITDA	AUD 2.1M
EPS	AUD 0.25
FCF per share	AUD 0.38
Financing cash flow	AUD -667,662
Free cash flow	AUD 1.2M
Gross profit	AUD 6.4M
Income taxes	AUD 280,914
Investing cash flow	AUD -258,405
Net borrowing	AUD -316,817
Net cash flow	AUD 480,423
Net income	AUD 797,791
Operating income	AUD 1.8M
Revenue	AUD 6.4M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	3.69
Book value per share	AUD 1.42
Debt / EBITDA	0.56
Debt / equity	0.28
Debt / FCF	1.08
Interest coverage	20.01
Long-term assets	AUD 2.9M
Long-term liabilities	AUD 1.1M
Net cash (debt)	AUD 1.8M
Net cash / market cap	57.58%
Net cash growth	26.5%
Net debt / EBITDA	-0.89
Net debt / equity	-0.41
Net debt / FCF	-1.53
Piotroski F-Score	5
Property, plant and equipment	AUD 2M
Shareholders' equity	AUD 4.5M
Tangible book value	AUD 3.8M
Tangible book value per share	AUD 1.19
Total assets	AUD 6.3M
Total cash	AUD 3.1M
Total debt	AUD 1.3M
Total liabilities	AUD 1.8M
WACC	4.44%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	1.05
Current assets	AUD 3.5M
Current liabilities	AUD 639,789
Current ratio	5.43
Net working capital	AUD 9,304
Quick ratio	5.43
Working capital	AUD 2.8M
Working capital turnover	2.42

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Dividend growth	16.67%
Dividend growth (10Y)	14.87%
Dividend growth (3Y)	40.95%
Dividend growth (5Y)	19.69%
Dividend growth years	3
Dividend payment date	2025-11-28
Dividend payment years	14
Dividend per share	AUD 0.14
Dividend yield	14%
Ex-dividend date	2025-11-12
FCF payout ratio	29.31%
Last dividend	AUD 0.11
Payout ratio	43.98%
Shareholder yield	14%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	150%
10Y return CAGR	24.76%
10Y total return	813.43%
1D price change	0%
1M price change	5.26%
1M total return	5.26%
1Y price change	29.87%
1Y return CAGR	49.09%
1Y total return	49.05%
20-day SMA	AUD 0.76
3Y price change	66.67%
3Y return CAGR	41.06%
3Y total return	180.74%
50-day SMA	AUD 0.64
52-week high	AUD 1.00
52-week high date	2026-10-20
52-week low	AUD 0.85
52-week low date	2025-12-22
6M price change	11.11%
6M total return	11.11%
All-time high	AUD 1.00
All-time high date	2026-10-20
All-time low	AUD 0.38
All-time low date	2018-07-02
Average true range (ATR)	AUD 0.02
Average volume	2.5K
Beta (1Y)	-0.02
Beta (2Y)	-0.08
Beta (5Y)	-0.02
Change from 52-week high	0%
Change from 52-week low	17.65%
Change from all-time high	0%
Change from all-time low	163.16%
Change from open	0%
Dollar volume	AUD 500
High price	AUD 1.00
Low price	AUD 1.00
Monthly RSI	90.46
Open price	AUD 1.00
Previous close	AUD 0.00
Price vs 20-day SMA	31.23%
Price vs 50-day SMA	57.04%
Relative volume	0.2
RSI	94.69
Sharpe ratio	4.9
Sortino ratio	10.85
Volume	500
Weekly RSI	76.88
YTD price change	17.65%
YTD total return	17.65%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	2.3M
Shares change (QoQ)	0.65%
Shares held by insiders	12.06%
Shares held by institutions	4.72%
Shares outstanding	3.2M

Deeper analysis on NSX/LCB

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this NSX/LCB report

Is a complete NSX/LCB research report available?

No complete published report is available for nsx/LCB (NSX/LCB) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

NSX/LCB (NSX/LCB)

Price

Financial snapshot

Fair-value bridge

Latest news · NSX/LCB

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All NSX/LCB indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on NSX/LCB

Frequently asked questions